Dear valued customer, - Citibank Malaysia · Due Date for Mortgage Power, Homecredit (with MMP...

Dear valued customer,

As part of our ongoing commitment to continuously improve our services, we have enhanced your Loan/Financing statement.

Your Loan/Financing statement will provide you with a summary of your loan/financing facilities with us, making it easier for you to keep track of and manage your financial holdings with Citibank.

If you have any enquiries, visit www.citibank.com.my/homeloan/statementguide or call CitiPhone at 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), 07-268 0000 (Johor Bahru) or 1800 82 1010 (Sabah & Sarawak), available 24 hours a day, 7 days a week.

Thank you.

Warmest regards,

Goh Ching Chee

Mortgage Business Director

Index Page

Summary 1

Account Category 2 – 3

Details of Banking Account 4 – 10

• Mortgage Overdraft 4

• Mortgage Term Loan / Financing 5 – 10

Glossary 11 – 12

II

31 December 2010

<Customer’s Name>

<Mailing Address>

24-hour CitiPhone Banking/24-jam Perbankan CitiPhone:

03-2383 0000 (Kuala Lumpur)/04-296 0000 (Penang)/07-268 0000 (Johor Bahru)/1800 82 1010 (Sabah & Sarawak)

Your Relationship Manager/Pengurus Perhubungan anda <Relationship Manager’s Name> Tel no: <Relationship Manager’s Contact No.>

SummaryThis section provides a summary of your account with us and is categorised by Checking and Loans & Financing with your financial holdings clearly divided by assets and liabilities for easy reference.Ringkasan Bahagian ini menerangkan ringkasan akaun anda dan dikategorikan mengikut Cek dan Pinjaman & Pembiayaan dengan pemegangan kewangan anda dibahagikan secara jelas mengikut aset dan liabiliti untuk kemudahan rujukan.

For Citigold customers, your assigned Relationship Manager’s name will appear here.

Untuk pelanggan Citigold, nama Pengurus Perhubungan anda akan tertera di sini.

SUMMARY OF YOUR BANKING ACCOUNTRINGKASAN AKAUN PERBANKAN ANDAMYR equivalent is for information only. Exchange Rates are based on 31 Dec 2010.Jumlah setara MYR adalah untuk pengetahuan sahaja. Kadar Pertukaran pada 31 Dis 2010.

AssetsAset

Liabilities Liabiliti

Checking/Semasa -505,000.00

Loans & Financing/Pinjaman & Pembiayaan 878,688.12

TOTAL/Jumlah -505,000.00 878,688.12

The Total Liabilities consist of your total Loans & Financing with the Bank.

Jumlah Liabiliti merangkumi Pinjaman & Pembiayaan anda dengan Bank.

The Total Assets consist of your total Deposit, Investment and Mortgage Overdraft with the Bank.

Jumlah Aset merangkumi jumlah Deposit, Pelaburan dan Pinjaman Overdraft anda dengan Bank.

This row reflects your total financial holdings with Citibank at the end of every month.

Baris ini menunjukkan jumlah pemegangan kewangan anda dengan Citibank pada setiap hujung bulan.

Should you have any enquiries on this statement or any of your banking matters, please call us via CitiPhone at 03-2383 0000 (KL), 04-296 0000 (PG), 07-268 0000 (JB) or 1800 82 1010 (Sabah & S’wak), available 24 hours a day, 7 days a week. 1

Account Category Each account you hold with Citibank is categorised and listed as a quick reference.Kategori Akaun Setiap akaun yang anda pegang dengan Citibank dikategorikan dan disenaraikan sebagai rujukan ringkas.

CHECKING/SEMASA

ProductProduk

Account No.No. Akaun

CurrencyMata Wang

Credit LineSaluran Kredit

Amount DueAmaun Perlu

Dibayar

BalanceBaki

Mortgage Power 0111111001 MYR 145,000.00 1,300.00 -75,000.00

Kindly be informed that your Mortgage Power facility will be adjusted to MYR130,000 as of 01 Jan 2011. Harap maklum kemudahan Mortgage Power anda akan diselaraskan kepada MYR130,000 mulai 01 Jan 2011.

Business Power 0111111003 MYR 200,000.00 2,000.00 -180,000.00

Kindly be informed that your Business Power facility will be adjusted to MYR160,000 as of 01 Jan 2011. Harap maklum kemudahan Business Power anda akan diselaraskan kepada MYR160,000 mulai 01 Jan 2011.

Homecredit 0111111005 MYR 160,000.00 2,000.00 -250,000.00

Kindly be informed that your Homecredit facility will be adjusted to MYR150,000 as of 01 Jan 2011. Harap maklum kemudahan Homecredit anda akan diselaraskan kepada MYR150,000 mulai 01 Jan 2011.

MYR Equivalent

Setara MYR

Checking Total/Jumlah Semasa -505,000.00

<Customer’s Name> Pages 2 of 12

Statement as at 31 Dec 2010




Account Category Each account you hold with Citibank is categorised and listed as a quick reference.Kategori Akaun Setiap akaun yang anda pegang dengan Citibank dikategorikan dan disenaraikan sebagai rujukan ringkas.

LOANS & FINANCING/PINJAMAN & PEMBIAYAAN

ProductProduk


CurrencyMata Wang

Financing Amount Amaun Pembiayaan

Financing OutstandingPembiayaan Belum Dijelaskan

FlexiHome Loan 0711111111 MYR 300,000.00 231,900.00

Housing Loan 76111111066666 MYR 200,000.00 161,697.03

Home Financing-i 76111111022222 MYR 200,000.00 161,697.03

Home Partner-i 76111111077777 MYR 200,000.00 161,697.03

ShopHouse Loan 76111111055555 MYR 200,000.00 161,697.03

MYR EquivalentSetara MYR

Financing-i Total/Jumlah Pembiayaan-i 323,394.06

Loans Total/Jumlah Pinjaman 555,294.06

Loans & Financing Grand Total/Jumlah Keseluruhan Pinjaman & Pembiayaan 878,688.12

REMINDERS/PERINGATANYour Overdraft Minimum Payment Is Due Bayaran Minimum Overdraf Anda Kena Dibuat


CurrencyMata Wang

Amount DueAmaun Kena Dibayar

Due DateTarikh Kena Dibayar

011111100 1 MYR 333.00 21 Jan 2011

This section shows the Monthly Minimum Payment (MMP) and Due Date for Mortgage Power, Homecredit (with MMP feature).

Bahagian ini menunjukkan Bayaran Minimum Bulanan (MMP) dan Tarikh Matang untuk Mortgage Power, Homecredit (dengan ciri MMP).


Details of your Banking Account Details of each transaction are clearly categorised by account for easy tracking of transaction activities.Perincian Akaun Perbankan anda Perincian bagi setiap transaksi dikategorikan dengan jelas mengikut akaun untuk memudahkan pemantauan aktiviti transaksi.

Your Mortgage Overdraft AccountAkaun Overdraf Pinjaman Perumahan Anda



DETAILS OF YOUR BANKING ACCOUNT/BUTIR-BUTIR PERBANKAN ANDAYour Checking Details/Butir-Butir Akaun Semasa Anda Mortgage Power 0111111001/Business Power 0011111003/Homecredit 0011111005

Transactions Done/Urusniaga Yang Dilaksanakan

Txn DateTarikh Urusniaga

Value DateTarikh Nilaian

DescriptionDiskripsi

ReferenceRujukan

Withdrawal/DebitPengeluaran/Debit

Deposit/CreditDeposit/Kredit

BalanceBaki

0 1 Dec 2010 OPENING BALANCE -75,800.00

08 Dec 2010 10 Dec 2010 DEPOSIT LCY CHECK 1,000.00 -74,800.00

3 1 Dec 2010 DEBIT INTEREST 200.00 -75,000.00

3 1 Dec 2010 CLOSING BALANCE -75,000.00

TOTAL 200.00 1,000.00

Should you have any enquiries on this statement or any of your banking matters, please call us via CitiPhone at 03-2383 0000 (KL), 04-296 0000 (PG), 07-268 0000 (JB) or 1800 82 1010 (Sabah & S’wak), available 24 hours a day, 7 days a week.

SAMPLE

4

Details of Your Mortgage Term Loan/Financing AccountsYour account transactions information has been enhanced to ensure that you are better informed of all activities within your account for the month.

Pinjaman Perumahan Bermasa/Akaun Pembiayaan AndaTransaksi maklumat akaun anda telah dipertingkatkan bagi memastikan anda mendapat maklumat yang sewajarnya berhubung dengan semua aktiviti yang dibuat pada bulan tersebut.



YOUR LOANS DETAILS/BUTIR-BUTIR PINJAMAN ANDA FlexiHome Loan 0711111111 MYRLoan Details/Butir-Butir Pinjaman

Original Loan AmountAmaun Pinjaman Asal

Maturity DateTarikh Matang

Loan OutstandingPinjaman Belum Dijelaskan

300,000.00 20 Aug 2024 231,900.00

FlexiHome Loan 0711111111 MYRTransactions Done/Urusniaga Yang Dilaksanakan

Txn DateTarikh Urusniaga



ReferenceRujukan

Withdrawal/DebitPengeluaran/Debit

Deposit/CreditDeposit/Kredit

BalanceBaki

0 1 Dec 2010 1 5 Dec 2010 OPENING BALANCE 10,000.00

1 7 Dec 2010 1 7 Dec 2010 ATM Debit 200.00 9,800.00

1 7 Dec 2010 20 Dec 2010 Instalment/Interest 650.00 9,150.00

22 Dec 2010 3 1 Dec 2010 Deposit Check 800.00 9,950.00

3 1 Dec 2010 CLOSING BALANCE 9,950.00

TOTAL 850.00 800.00

This section shows the transaction activity of your FlexiHome Loan account, with a new section showing your loan movements.

Bahagian ini menunjukkan aktiviti transaksi akaun FlexiHome Loan anda, dengan bahagian baru yang memaparkan pergerakan pinjaman anda.




DateTarikh



DebitDebit

CreditKredit

Loan OutstandingPinjaman Belum

Dijelaskan

01 Dec 2010 OPENING BALANCE 232,050.00

1 7 Dec 2010 PAYMENT RECEIVED 650.00 231,400.00

25 Dec 2010 INTEREST CHARGE 500.00 231,900.00

3 1 Dec 2010 CLOSING BALANCE 231,900.00

TOTAL 500.00 650.00

The monthly Interest specified is calculated up to the due date of your monthly Instalment, and added to the Outstanding Balance as a debit item.

Kadar faedah bulanan yang ditetapkan dikira sehingga tarikh matang bagi ansuran anda, kemudian dicampurkan kepada Baki Tertunggak sebagai item debit.

The closing balance does not include interest from this due date till month end. The interest charged for this month will only be added to the Outstanding Balance as a debit item in your statement next month. Thus the closing balance does not include the interest charged for this month.

Baki penutup tidak termasuk faedah dari tarikh kena dibayar ini sehingga akhir bulan. Faedah yang dikenakan untuk bulan ini akan hanya dicampurkan kepada Baki Tertunggak sebagai item debit dalam penyata anda untuk bulan seterusnya. Oleh itu baki penutup tidak termasuk caj faedah untuk bulan tersebut.

Details of Your Mortgage Term Loan/Financing AccountsYour account transactions information has been enhanced to ensure that you are better informed of all activities within your account for the month.

Pinjaman Perumahan Bermasa/Akaun Pembiayaan AndaTransaksi maklumat akaun anda telah dipertingkatkan bagi memastikan anda mendapat maklumat yang sewajarnya berhubung dengan semua aktiviti yang dibuat pada bulan tersebut.



Excess Payment Available for Withdrawal

Bayaran Lebihan Tersedia ada: MYR 9,950.00

Difference between loan outstanding and excess payment (Interest is calculated daily on this difference): MYR 221,950.00

Perbezaan antara pinjaman belum jelas dan bayaran lebihan (faedah harian dikira atas perbezaan ini): MYR 221,950.00

Interest is calculated up to due date. This statement does not include interest chargeable from this due date until month-end, and may not include any legal fees, charges, costs and/or expenses which the Bank may incur in the event of any legal proceeding, which in such an event, will be debited to your account as Bank deems fit.

Faedah dikira sehingga Tarikh Ansuran Kena Dibayar. Penyatat ini tidak termasuk faedah yang boleh dikenakan dari Tarikh Ansuran Kena Dibayar sehingga akhir bulan dan mungkin tidak termasuk sebarang yuran guaman, caj, kos dan/atau perbelanjaan yang ditanggung oleh pihak Bank akibat daripada sebarang prosiding guaman. Sekiranya terdapat perbelanjaan sedemikian, ia akan didebitkan ke dalam akaun anda mengikut budibicara pihak Bank.

6

Details of Your Mortgage Term Loan/Financing AccountsYour account transactions information has been enhanced to ensure that you are better informed of all activities within your account for the year.

Pinjaman Perumahan/Pembiayaan AndaTransaksi maklumat akaun anda telah dipertingkatkan bagi memastikan anda mendapat maklumat yang sewajarnya berhubung dengan semuaaktiviti yang dibuat pada tahun tersebut.

Housing Loan 76111111066666 MYRLoan Details/Butir-Butir Pinjaman




200,000.00 1 Jan 2030 161,697.03


DateTarikh



ChargesCaj

PaymentsBayaran

BalanceBaki

0 1 Jan 2010 OPENING BALANCE 166,442.68

20 Jan 2010 DEBIT INTEREST 693.51 167, 1 36 . 1 9

20 Jan 2010 PAYMENT 1,080.00 166,056. 1 9

20 Feb 2010 DEBIT INTEREST 691.90 166,748.09

19 Feb 2010 PAYMENT 1,080.00 165,668.09

20 Mar 2010 DEBIT INTEREST 690.28 166,358.37

15 Mar 2010 PAYMENT 1,080.00 165,278.37

20 Apr 2010 DEBIT INTEREST 688.66 165,967.03

18 Apr 2010 PAYMENT 1,080.00 164,887.03

20 May 2010 DEBIT INTEREST 687.03 165,574.06

20 May 2010 PAYMENT 1,080.00 164,494.06

20 Jun 2010 DEBIT INTEREST 685.39 165, 179.45

19 Jun 2010 PAYMENT 1,080.00 164,099.45

20 Jul 2010 DEBIT INTEREST 683.75 164,783.20

20 Jul 2010 PAYMENT 1,080.00 163,703.20

20 Aug 2010 DEBIT INTEREST 682.10 164,385.30

20 Aug 2010 PAYMENT 1,080.00 163,305.30

20 Sep 2010 DEBIT INTEREST 680.44 163,985.74

17 Sep 2010 PAYMENT 1,080.00 162,905.74

20 Oct 2010 DEBIT INTEREST 678.77 163,584.5 1

1 8 Oct 2010 PAYMENT 1,080.00 162,504.51

20 Nov 2010 DEBIT INTEREST 677.10 163, 1 8 1 . 6 1

20 Nov 2010 PAYMENT 1,080.00 162, 1 0 1 . 6 1

20 Dec 2010 DEBIT INTEREST 675.42 162,777.03

18 Dec 2010 PAYMENT 1,080.00 161,697.03

3 1 Dec 2010 CLOSING BALANCE

TOTAL 8,214.35 12,960.00

Interest is calculated up to due date. This statement does not include interest chargeable from this due date until month-end, and may not include any legal fees, charges, costs and/or expenses which the Bank may incur in the event of any legal proceeding, which in such an event, will be debited to your account as the Bank deems fit.

Faedah dikira sehingga Tarikh Ansuran Kena Dibayar. Penyata ini tidak termasuk faedah yang boleh dikenakan dari Traikh Ansuran Kena Dibayar sehingga akhir bulan dan mungkin tidak termasuk sebarang yuran guaman, caj, kos dan/atau perbelanjaan yang ditanggung oleh pihak Bank akibat daripada sebarang prosiding guaman. Sekiranya terdapat perbalanjaan sedemikian, ia akan didebitkan ke dalam akaun anda mengikut budibicara pihak Bank.



YOUS LOANS DETAILS/BUTIR-BUTIR PINJAMAN ANDA



DateTarikh



PaymentsBayaran

BalanceBaki

01 Jan 2010 OPENING BALANCE 174,657.03

20 Jan 2010 PAYMENT 1,080.00 173,577.03

19 Feb 2010 PAYMENT 1,080.00 172,497.03

15 Mar 2010 PAYMENT 1,080.00 171,417.03

18 Apr 2010 PAYMENT 1,080.00 170,337.03

20 May 2010 PAYMENT 1,080.00 169,257.03

19 Jun 2010 PAYMENT 1,080.00 168,177.03

20 Jul 2010 PAYMENT 1,080.00 167,097.03

20 Aug 2010 PAYMENT 1,080.00 166,017.03

17 Sep 2010 PAYMENT 1,080.00 164,937.03

18 Oct 2010 PAYMENT 1,080.00 163,857.03

20 Nov 2010 PAYMENT 1,080.00 162,777.03

18 Dec 2010 PAYMENT 1,080.00 161,697.03

31 Dec 2010 CLOSING BALANCE

TOTAL 12,960.00

Home Financing-i 76111111022222 MYRFinancing Details/Butir-Butir Pembiayaan

Finance LimitHad Pembiayaan


Remaining Finance LimitBaki Had Pembiayaan

200,000.00 1 Jan 2030 161,697.03

This statement may not include any legal fees, charges, costs and/or expenses which the Bank may incur in the event of any legal proceeding, which in such an event, will be debited to your account as the bank deems fit.

Penyata ini mungkin tidak termasuk sebarang yuran guaman, caj, kos dan/atau perbelanjaan yang ditanggung oleh pihak Bank akibat daripada sebarang prosiding guaman. Sekiranya terdapat perbelanjaan sedemikian, ia didebitkan ke dalam akaun anda mengikut budibicara pihak Bank.




Home Partner-i 76111111077777 MYRFinancing Details/Butir-Butir Pembiayaan

Bank’s Initial ShareSyer Asal Pihak Bank

Final Payment DateTarikh Bayaran Akhir

Remaining Bank’s ShareBaki Terkini Syer Pihak Bank

200,000.00 1 Jan 2030 161,697.03


DateTarikh



ChargesCaj

PaymentsBayaran

BalanceBaki


20 Jan 2010 RENTAL 693.51 167, 136. 1 9

20 Jan 2010 PAYMENT 1,080.00 166,056. 1 9

20 Feb 2010 RENTAL 691.90 166,748.09

19 Feb 2010 PAYMENT 1,080.00 165,668.09

20 Mar 2010 RENTAL 690.28 166,358.37

15 Mar 2010 PAYMENT 1,080.00 165,278.37

20 Apr 2010 RENTAL 688.66 165,967.03

18 Apr 2010 PAYMENT 1,080.00 164,887.03

20 May 2010 RENTAL 687.03 165,574.06

20 May 2010 PAYMENT 1,080.00 164,494.06

20 Jun 2010 RENTAL 685.39 165,1 79.45

19 Jun 2010 PAYMENT 1,080.00 164,099.45

20 Jul 2010 RENTAL 683.75 164,783.20

20 Jul 2010 PAYMENT 1,080.00 163,703.20

20 Aug 2010 RENTAL 682.10 164,385.30

20 Aug 2010 PAYMENT 1,080.00 163,305.30

20 Sep 2010 RENTAL 680.44 163,985.74

17 Sep 2010 PAYMENT 1,080.00 162,905.74

20 Oct 2010 RENTAL 678.77 163,584. 5 1

18 Oct 2010 PAYMENT 1,080.00 162,504. 5 1

20 Nov 2010 RENTAL 677. 10 163, 1 8 1 . 6 1

20 Nov 2010 PAYMENT 1,080.00 162, 1 0 1 . 6 1

20 Dec 2010 RENTAL 675.42 162,777.03

18 Dec 2010 PAYMENT 1,080.00 1 6 1 ,697.03


TOTAL 8,214.35 12,960.00

Rental is calculated up to due date. This statement does not include rental chargeable from this due date until month-end, and may not include any legal fees, charges, costs and/or expenses which the Bank may incur in the event of any legal proceeding, which in such an event, will be debited to your account as the Bank deems fit.

Amaun sewa dikira sehingga tarikh tempoh kena bayar. Penyata ini tidak termasuk amaun sewa yang boleh dikenakan dari tarikh tempoh kena bayar sehingga ke akhir bulan dan mungkin tidak termasuk sebarang yuran guaman, caj, kos dan/atau perbelanjaan yang ditanggung oleh pihak Bank akibat daripada sebarang prosiding guaman. Sekiranya terdapat perbelanjaan sedemikian, ia akan didebitkan ke dalam akaun anda budibicara pihak Bank.






ShopHouse Loan 76111111055555 MYRLoan Details/Butir-Butir Pinjaman




200,000.00 1 Jan 2030 161,697.03

Interest is calculated up to due date. This statement does not include interest chargeable from this due date until month-end, and may not include any legal fees, charges, costs and/or expenses which the Bank may incur in the event of any legal proceeding, which in such an event, will be debited to your account as the Bank deems fit.

Faedah dikira sehingga Tarikh Ansuran Kena Dibayar. Penyata ini tidak termasuk faedah yang boleh dikenakan dari Traikh Ansuran Kena Dibayar sehingga akhir bulan dan mungkin tidak termasuk sebarang yuran guaman, caj, kos dan/atau perbelanjaan yang ditanggung oleh pihak Bank akibat daripada sebarang prosiding guaman. Sekiranya terdapat perbalanjaan sedemikian, ia akan didebitkan ke dalam akaun anda mengikut budibicara pihak Bank.


DateTarikh



ChargesCaj

PaymentsBayaran

BalanceBaki


20 Jan 2010 DEBIT INTEREST 693.5 1 167, 1 3 6 . 1 9

20 Jan 2010 PAYMENT 1,080.00 166,056. 1 9

20 Feb 2010 DEBIT INTEREST 691.90 166,748.09

19 Feb 2010 PAYMENT 1,080.00 166,668.09

20 Mar 2010 DEBIT INTEREST 690.28 166,358.3 7

15 Mar 2010 PAYMENT 1,080.00 165,278.3 7

20 Apr 2010 DEBIT INTEREST 688.66 165,967.03

18 Apr 2010 PAYMENT 1,080.00 164,887.03

20 May 2010 DEBIT INTEREST 687.03 165,574.06

20 May 2010 PAYMENT 1,080.00 164,494.06

20 Jun 2010 DEBIT INTEREST 685.39 165,1 7 9 .45

19 Jun 2010 PAYMENT 1,080.00 164,099.45

20 Jul 2010 DEBIT INTEREST 683.75 164,783.20

20 Jul 2010 PAYMENT 1,080.00 163,703.20

20 Aug 2010 DEBIT INTEREST 682. 10 164,385.30

20 Aug 2010 PAYMENT 1,080.00 163,305.30

20 Sep 2010 DEBIT INTEREST 680.44 163,985.74

17 Sep 2010 PAYMENT 1,080.00 162,905.74

20 Oct 2010 DEBIT INTEREST 678.77 163,584.5 1

18 Oct 2010 PAYMENT 1,080.00 162,504.5 1

20 Nov 2010 DEBIT INTEREST 677. 10 163, 1 8 1 .6 1

20 Nov 2010 PAYMENT 1,080.00 162, 1 0 1 .6 1

20 Dec 2010 DEBIT INTEREST 675.42 162,7 7 7.03

18 Dec 2010 PAYMENT 1,080.00 1 6 1 , 697.03


TOTAL 8,214.35 12,960.00


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Banking Terms/Istilah Perbankan

English Bahasa Malaysia English Bahasa Malaysia

Account Set-Up Fee Yuran Pembukaan Akaun Bonus Issue Terbitan BonusAmount Due Amaun Perlu Bayar Bonus BonusATM Debit Debit ATM Buy BeliCheck Cleared Penjelasan Cek Call Panggilan Check Returned Pulangan Cek Cash Dividend Dividen TunaiClearing Penjelasan Conversion - New Securities Penukaran Sekuriti BaruClosing Balance Baki Penutup Coupon KuponCredit Adjustment/Interest Pelarasan/Faedah Kredit Change Depository In Menukar Pendeposit MasukCredit Hibah Kredit Hibah Change Depository Out Menukar Pendeposit KeluarDebit Adjustment/Interest Pelarasan/Faedah Debit Dividend DividenDeposit Cash Deposit Tunai Excess Rights Subscription Lebihan Hak LanggananDeposit (Out) Check Deposit Cek (Keluar) Excess Rights Refund Lebihan Hak Pembayaran Balik Deposit Check Deposit Cek Fallen Through PenolakanDeposit Foreign Check Deposit Cek Mata Wang Asing Fund Closure Penutupan Dana Deposit LCY Check Deposit Cek Mata Wang Tempatan Fund Liquidation Pembubaran Dana Disbursement Pengeluaran Bayaran Funds Withdrawal Pengeluaran DanaExcess Payment Bayaran Lebihan Internal Transfer In Pemindahan MasukExcess Payment Available For Withdrawal

Bayaran Lebih Tersedia Ada Internal Transfer Out Pemindahan Keluar

Fee Charge Caj Yuran Maturity MatangFire Insurance Insurans Kebakaran Merger PercantumanGIRO Payment Bayaran GIRO Pre-termination Pra-penamatanHouse Check Cek Bank Sendiri Redemption PenebusanHousing Loan Pinjaman Perumahan Regular Saving Plan (RSP) Pelan Simpanan BiasaIn-House Transfer Pindahan Dalaman Reverse Buy Pembelian Berbalik Interest Faedah Reverse Redemption Penebusan Berbalik Interest Charge Caj Faedah Reverse Sell Penjualan Berbalik Interest Due Faedah Perlu Bayar Reverse Split Pecahan BalikInterest Earned Perolehan Faedah Reverse Subscription Langganan Berbalik Late Charge Caj Lewat Reverse Switch In Penukaran Masuk BerbalikLegal Fee Yuran Guaman Reverse Switch Out Penukaran Keluar BerbalikLoans Instalment Ansuran Pinjaman Rights Deposit Hak DiterimaMiscellaneous Pelbagai Rights Expiry Hak LuputOpening Balance Baki Mula Rights Issue Terbitan HakMYR Ringgit Malaysia (RM) Rights Subscription Hak LanggananPayment Received Bayaran Diterima Sell JualProcessing Fee Yuran Pemprosesan Shares Split Pecahan SahamProfit Charge Caj Keuntungan Share Withdrawal Pengeluaran SahamRental Sewaan Split PecahanRental Charge Caj Sewaan Split In Pecahan Masuk Reversal Pulangan Balik Split Out Pecahan Keluar Service Charge Caj Perkhidmatan Stock Dividend Dividen SahamStanding Instruction Bayaran Arahan Tetap Subscription LanggananValuation Fees Yuran Taksiran Subscription Cool-Off Langganan Bertenang Waiver of Fees Pengabaian Yuran Switch In Tukar MasukWithdrawal Pengeluaran Switch Out Tukar Keluar

Take Over PengambilalihanTakeover - New Securities Pengambilalihan - Sekuriti Baru Transfer In Pindah MasukTransfer Out Pindah KeluarWarrants Waran-waranWarrants Conversion Pertukaran WaranWarrant Expiry Waran Luput


Glossary & Product Names This section features a glossary of Banking Terms in both English and Bahasa Malaysia, and a list of products offered by Citibank in both English and Bahasa Malaysia.

Glosari & Nama Produk Bahagian ini menampilkan glosari Istilah Perbankan dalam Bahasa Inggeris dan Bahasa Malaysia serta senarai produk yang ditawarkan oleh Citibank dalam kedua-dua bahasa.


12

Pages 12 of 12

Product names

English Bahasa Malaysia English Bahasa Malaysia

Checking Semasa

Checking Account Akaun Semasa RSP Instructions Arahan RSP

Premium Checking Account Akaun Semasa Premium Fixed Income & Securities Pendapatan Tetap & Sekuriti

Basic Checking Account Akaun Semasa Asas Share Equities Ekuiti Saham

Checking Account-i Akaun Semasa-i Market Linked Investments Pelaburan Berkait Pasaran

Mortgage Power Mortgage Power

Business Power Business Power

Homecredit Homecredit

Savings & Investments Simpanan & Pelaburan Loans & Financing Pinjaman & Pembiayaan

Guard Savings Account-i Akaun Simpanan Guard-i Citibank

FlexiHome Loan FlexiHome Loan

Savings Account Akaun Simpanan FlexiHome Loan – Account Activities Aktiviti Akaun – FlexiHome Loan

Basic Savings Account Akaun Simpanan Asas Housing Loan Pinjaman Perumahan

Call Deposit Deposit Panggilan Home Financing-i Pembiayaan Perumahan-i

Gold Account Akaun Emas Home Partner-i Home Partner-i

Time Deposits Deposit Bermasa Share Margin Financing Pembiayaan Margin Saham

FCY Time Deposits Deposit Bermasa Mata Wang Asing

Share Equities Ekuiti Syer

Time Deposits-i Time Deposits-i ShopHouse Loan ShopHouse Loan

Dual Currency Account Akaun Dwi Mata Wang Home Partner-i Home Partner-i

Ladder Deposits Simpanan Tetap Bertingkat

Unit Trusts Unit-unit Amanah


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